A 2002 file photo shows a United Water Toms River water tower on Hooper Avenue in Toms River.

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When she got her quarterly United Water Toms River water bill, she noticed a $1,463.65 credit. The utility had taken a $157.12 payment from the credit, giving her $1,306.53 credit left over. (It had deducted her $157.12 payment from her checking account as well.) ...